Florida insurers, often on the receiving end of insureds’ complaints – in the courts and in the news media – may take heart from a new ruling by a Florida appeals court, which draws a bold line under insureds’ responsibilities after a loss.
The 1st District Court of Appeals on Wednesday overturned a $541,257 jury award against Homeowners Choice Property and Casualty Insurance Co., noting that the Perdido Key homeowners did not give proper notice on part of the claim in 2020. Thomas and Rebecca Clark also offered no proof of the loss of rental value, did little to protect the home from further damage after the storm, and did not show how the insurer failed to pay actual cash value on the claim, the court said.
“We reverse because the Clarks failed to present sufficient evidenc